Cheapest Car Insurance Quotes in Craigmont

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Craigmont Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Craigmont

The car insurance rate in Craigmont is $565 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Craigmont can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Craigmont

$565

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Craigmont

1st place: American National P&C

At $324 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $350 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Idaho Farm Bureau

Idaho Farm Bureau offers auto insurance rates at $381 for six months, making it the third cheapest auto insurance company in Craigmont.

Craigmont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Craigmont, ID is American National P&C, offering policies at just $324 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $350.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Craigmont drivers find the best deals.

Cheap Car Insurance Companies in Craigmont, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$324	$56
Auto-Owners Insurance Co	$350	$58
Idaho Farm Bureau	$381	$65
USAA	$426	$72
Travelers	$445	$76
State Farm	$477	$80
American Family	$515	$87
American National	$566	$94
Mutual of Enumclaw	$579	$98
Farmers	$636	$107
Auto-Owners	$712	$121
Nationwide	$852	$142
Allstate	$1087	$185

Key Takeaways

Way's key takeaways about car insurance in Craigmont

The auto insurance costs in Craigmont fall around $324 for six months.
The cheapest auto insurance company in Craigmont is USAA.
Teen drivers pay the highest rate in Craigmont at $563 per month.

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Cheapest Minimum Liability Car Insurance in Craigmont

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Craigmont are given below.

USAA provides the cheapest minimum car insurance coverage in Craigmont. Their Average 6 Month Premium is $121. Nationwide is the most expensive at $381 for the same period.

Cheapest Liability Coverage in Craigmont, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$121	$20
American National	$134	$22
American National P&C	$134	$22
Idaho Farm Bureau	$153	$26
State Farm	$153	$26
Auto-Owners Insurance Co	$159	$27
Mutual of Enumclaw	$190	$32
Auto-Owners	$216	$36
American Family	$223	$37
Farm Bureau	$223	$37
Travelers	$248	$42
Farmers	$261	$44
Allstate	$381	$64
Nationwide	$381	$65

Cheapest Full Coverage Car Insurance in Craigmont

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Craigmont is American National P&C at $56 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Craigmont, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$324	$56
Auto-Owners Insurance Co	$350	$58
Idaho Farm Bureau	$381	$65
USAA	$426	$72
Travelers	$445	$76
State Farm	$477	$80
American Family	$515	$87
American National	$566	$94
Mutual of Enumclaw	$579	$98
Farmers	$636	$107
Auto-Owners	$712	$121
Nationwide	$852	$142
Allstate	$1087	$185

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Average Car Insurance in Craigmont by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Craigmont, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Craigmont, Idaho, may be increasing due to several external factors. Idaho has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Craigmont's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Craigmont

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Craigmont,ID

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Craigmont at $27 per month. At $3343 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$159	$27
Auto-Owners Insurance Co	$216	$36
Idaho Farm Bureau	$229	$39
Travelers	$1137	$192
State Farm	$1278	$215
Farm Bureau	$1436	$240
USAA	$1691	$285
Auto-Owners	$1824	$304
American Family	$2034	$342
Nationwide	$2434	$406
Farmers	$2726	$459
Allstate	$3343	$563

Teen Car Insurance Rates in ID by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Craigmont, Idaho Farm Bureau is the cheapest car insurance provider. At $235 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Craigmont is Allstate, offering rates of around $1550 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$235	$40
State Farm	$534	$90
American Family	$692	$117
Travelers	$718	$121
USAA	$877	$147
Farm Bureau	$992	$169
Farmers	$1029	$173
Auto-Owners	$1074	$183
Allstate	$1550	$259

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Car Insurance Rates with An Accident in Craigmont

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Craigmont, ID, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Craigmont

The cheapest car insurance companies after an at-fault accident in Craigmont include American National and AutoOwners Insurance Co, offering $171 and $184, respectively. Allstate is an expensive provider with an average six-month premium of $1659.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$171	$29
Auto-Owners Insurance Co	$184	$31
American National P&C	$197	$33
Idaho Farm Bureau	$197	$33
State Farm	$413	$70
USAA	$439	$74
Auto-Owners	$668	$112
Farm Bureau	$858	$146
American Family	$877	$148
Travelers	$979	$167
Nationwide	$1265	$211
Farmers	$1386	$233
Allstate	$1659	$279

Craigmont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Craigmont ID. For example, the car insurance in Craigmont after a DUI increases to $527 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Craigmont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$776	$129
One Med/PIP claim	$782	$133
Not-at-fault accident	$800	$134
One comp claim	$826	$140
Failure to wear a seat belt	$839	$140
Two Med/PIP claims	$839	$142
Child safety restraint	$897	$150
Driving without lights	$897	$152
Two comp claims	$902	$151
Failure to show documents	$908	$154
Cell phone violation	$928	$155
Driving with expired registration	$928	$157
Following too closely	$928	$155
Illegal turn	$928	$157
Texting while driving	$928	$155
Wrong way/wrong lane	$928	$157
Driving too slowly	$934	$156
Failure to yield	$934	$158
Speeding 11 - 15 MPH over limit	$934	$156
Speeding 6 - 10 MPH over limit	$934	$158
Failure to stop at a red light	$941	$157
Improper passing	$947	$161
Speeding 16 - 20 MPH over limit	$947	$158
In 65 MPH zone	$953	$163
Speeding in school zone	$953	$159
Speeding 21 - 25 MPH over limit	$966	$165
Open container	$1029	$171
At-fault accident - less than $1000	$1036	$177
Passing school bus	$1061	$177
Operating a vehicle without permission	$1074	$183
At-fault accident - $1000-$2000	$1137	$189
At-fault accident - greater than $2000	$1137	$194
Driving with a suspended license	$1245	$208
Reckless driving	$1252	$213
Refusal to submit to a chemical test	$1265	$211
DUI	$1303	$221
Racing	$1303	$217
Leaving scene of an accident/hit and run	$1334	$227

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Craigmont after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Craigmont.

The cheapest car insurance premiums in Craigmont are offered by American National P&C at $223 for a six-month policy. However, it can be as expensive as $1634 with companies like Nationwide.

Craigmont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$223	$37
Idaho Farm Bureau	$331	$55
Travelers	$681	$114
State Farm	$744	$125
American Family	$839	$141
USAA	$852	$143
Farmers	$973	$164
Allstate	$1379	$232
Farm Bureau	$1442	$245
Auto-Owners	$1570	$262
Nationwide	$1634	$278

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Craigmont are offered by AutoOwners Insurance Co at $159. However, it can be as expensive as $1233 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Craigmont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$159	$27
Idaho Farm Bureau	$159	$27
American National P&C	$165	$28
State Farm	$255	$43
USAA	$495	$82
American Family	$521	$88
Farm Bureau	$655	$109
Auto-Owners	$699	$119
Travelers	$884	$148
Farmers	$890	$150
Allstate	$1233	$205

Car Insurance Price Trends in Craigmont, Idaho

Car insurance rates in Craigmont have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Craigmont rose by $142 in December compared to $141 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Craigmont remained steady at $35 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Craigmont?

The car insurance in Craigmont is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Craigmont?

The cheapest car insurance in Craigmont is $56 per month for full coverage.

How much is car insurance in Craigmont for teenagers?

Car insurance for teenagers costs $159 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Craigmont?

The average cost of car insurance is $528 for a six-month policy. It will cost around $95 per month to insure your car in Craigmont.

Is car insurance expensive in Craigmont?

Car insurance can be expensive in Craigmont if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Craigmont can be affordable.

What is the best car insurance in Craigmont, ID?

The best car insurance company in Craigmont ID is American National P&C, offering $324 for a six-month policy.